Options

For additional questions about enrollment or premiums, view the Enrollments section of the FAQ page or contact your Human Resources office.

GatorCare Options

Designed for postdoctoral associates and UF College of Veterinary Medicine residents and interns

The Options plan offers you three network tier options. Tier 1 benefits, provided by the GatorCare Network, offer the best value, with a lower deductible and low out-of-pocket and co-insurance amounts. Tier 1 includes hospitals, physicians and providers in Gainesville and Jacksonville. Tier 2 benefits apply when you receive services from Florida Blue’s NetworkBlue providers, which typically result in higher out-of-pocket costs. When using Tier 1 and Tier 2 providers for wellness and preventive care, annual physicals and labs are offered with no out-of-pocket expense to you. Tier 3 benefits apply when you receive services from an out-of-network provider; you still have coverage, but may be billed for the difference between the provider’s charge and the allowed amount.

**NEW for 2018 – The Options plan has many changes for 2018. The Options plan now includes two network tiers for medical providers, changes in some deductibles and coinsurances, and the addition of a virtual visit benefit. Maintance medications in Tiers 1 and 2 will move to a manadatory 90-day supply at either retail or mail order following a maximum of two 30-day fills at retail. For more information, click on the 2018 Summary of Health Plan Benefits link below.

As a result of the Affordable Care Act, GatorCare is required to provide employees with an easy-to-understand Summary of Benefits and Coverage (SBC) statement that describes the plan’s coverage. All insurance companies must use the same format allowing members to compare plan options. Please note that the examples on page 8 for medical and page 12 for pharmacy, do not reflect actual GatorCare co-pays and deductibles, rather they are general examples required by the federal government. To get your GatorCare medical specific cost of services, call (800) 664-5295; for Magellan Pharmacy Benefits, call (800) 651-8921.

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